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Self-employed on a low income needs a loaned £3-4k buffer cash to be repaid within 2 years
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On paper, you can't afford to live, so they won't lend you any money
However at the numbers you are talking about, and without wishing to offend you, you may not get through the door with any of those options you are suggesting. You probably won't know unless you try. You earn £10k and are looking at £15k - its very very small in business terms for someone to take the time to look at. That's why I suggested personal vehicle finance of a modest amount where the scrutiny is more like just your and the vehicle's risk rather than the business.
Your 'strength' if you do get to present the business to anyone is that you have saved a large contribution towards your business plan. You can put in £11k and 'only' want to borrow £4k secured on the vehicle. You then have £4k left for your 'float' but I would generalise on this and just say you'll have a small contingency. Certainly not put across a desire to always have a certain amount just 'because'.
A business plan for a self employed window cleaner can be on a page or two. Its quality not quantity. You need to demonstrate why spending X will improve income by Y. So, where will the extra demand come from, do you have a waiting list? As I understand it in many areas window cleaners have 'turf' and its not done to go on someone else's patch. Where will the savings come in? Will you work faster? Is it one hour per job now reducing to 30m say. Then out of this this new income what will you have to pay?
Be prepared to answer where your £15k of savings have come from? Its a relatively large amount to save on the income you've declared.
Why can't you charge more so that you make at least minimum wage? How do you live on so little and able to pay back a credit card and alsp save 15k?
Actual mortgage stating amount £75,150
Overpayment start date 1/3/23.
Starting balance £66,565.45
Current balance £63,787.16
This is meant kindly but you're probably over thinking. Try a couple of small scale credit applications. If you get nowhere wait a bit longer or shave a few k off your spending plans.